Chicago vs Phoenix

Cost of living and salary reality, side by side. At $60-80k, $70,000 in Chicago feels like approximately $67,981 in Phoenix.

Data: 2026-Q2 · BLS · HUD · KFF

Your $60-80k in Chicago feels like $67,981 in Phoenix. Moving would decrease your purchasing power by 3%.

Income
Housing

Chicago

Phoenix

Breathing Room
 
Housing Pressure
low
 
low
1BR Rent
$1,581/mo
 
$1,583/mo
State Tax
IL tax applies
 
AZ tax applies
Take-Home /mo
$4,514
 
$4,657
Remote Work Fit
Chicago is a strong remote work city for those who value urban density, transit, and cultural richness at costs substantially below coastal peers.
 
Phoenix is a major remote work destination, combining low state income tax (2.5%), accessible housing, and outdoor desert lifestyle. Air conditioning costs and the summer heat profile are meaningful practical considerations for lifestyle planning.
Walk Score
77
 
41
Comfortable
$60-80k · Chicago vs Phoenix
Income Reality Check

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Curious what a raise — or a different path — would change?

THEN — $60-80k
NOW — $60-80k
~$4,514/mo take-home

At $60-80k in Chicago, your picture shifts from comfortable toward comfortable.

No city is objectively better. Chicago and Phoenix each fit different priorities — the right one depends on what you're building toward.

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Chicago profile Phoenix profile Run Reality Check →
FAQ

Chicago vs Phoenix — FAQ

Is it cheaper to live in Chicago or Phoenix?

HUD FY2026 1BR Fair Market Rent is $1,581/mo in Chicago and $1,583/mo in Phoenix. Chicago has lower median housing costs. Source: HUD FY2026 FMR.

How much do I need to earn in Phoenix to match Chicago?

At a $60-80k income, $70,000 in Chicago feels like approximately $67,981 in Phoenix — a reduction of about 3% in purchasing power.

What is the state tax difference between Chicago and Phoenix?

Chicago is in IL (IL levies income tax) and Phoenix is in AZ (AZ levies income tax). Source: Tax Foundation 2025.

Which city has more breathing room?

Breathing room depends on your income and housing situation. Use the interactive comparison above to see how each city's picture changes across income bands.

Income Reality Check is an educational tool, not financial advice. Your situation has more dimensions than any tool can capture.